A financial institution may well specify choice weights for averaging examination functionality throughout evaluation locations or other geographic regions. These choice weights need to be based on the bank's potential and Group requirements and options in particular geographic spots.
(two) A retail lending assessment place may not prolong outside of a Condition boundary Except the retail lending assessment spot consists of counties in a very multistate MSA.
질문들, 이제 더 이상 걱정하지 마세요. 이 글에서는 컴퓨터, 스마트폰, 앱 등 다양한 방법으로 네이버에 접근하는 방법을 명쾌하게 정리하여 알려드립니다. 네이버 세상으로 향하는 지름길, 지금 바로 함께 떠나보세요!
An intermediate financial institution or a little lender for which car loans are an item line may perhaps collect and preserve in a very format from the bank's picking, like in an electronic form prescribed by the Board, until the completion of your bank's upcoming CRA examination during which the data are evaluated, the information explained in paragraphs (a)(2)(iii)(A) through (File) of this part for each vehicle loan originated or acquired with the bank through the evaluation interval.
The Restricted Reason Financial institution Group Growth Funding Metric measures the greenback volume of a lender's Local community development loans and Neighborhood progress investments that profit or serve all or Section of the nationwide location in comparison with the bank's belongings calculated pursuant to paragraph III.a of appendix B to this aspect.
(i) A financial institution may perhaps integrate efficiency evaluation components and accompanying annual measurable objectives for additional geographic regions but may well not do away with the analysis of its performance in any geographic region that might be included in its general performance evaluation from the absence of an accepted prepare.
(iv) Irrespective of whether to solicit extra community input or involve the lender to supply any supplemental response to community input currently acquired.
) A financial institution may possibly use substitute weights for combining the borrower and geographic distribution analyses for main product line(s) or other loan goods.
) The exceptional stability of a Group growth loan originated, obtained, refinanced, or renewed in former several years or Local community growth investment decision made or renewed in former several years, as of December 31 for yearly that the loan or expense stays to the bank's balance sheet; or
means a closed-finish house property finance loan loan or an open up-end home property finance loan loan as these terms are described During this section.
Loans, investments, and companies that assistance compact organizations or modest farms in accordance with how tiny corporations and little farms are defined while in the relevant plan, application, or initiative, but excluding loans by a lender on to tiny organizations or modest farms (both as defined inside a govt plan, program, or initiative or in § 228.
Any facility-dependent assessment area, retail lending evaluation spot, outside retail lending location, or other geographic spot that would be evaluated in the absence of an permitted system, but is not included in an accredited program, will likely be evaluated pursuant to your general performance exams that may utilize in the absence of the authorised plan.
(one) All prepared comments been given from the general public for The present calendar year (up to date on a quarterly basis with the prior quarter by March 31, June thirty, September 30, and December 31) and every of your prior two calendar decades that specially relate towards the lender's functionality in helping to meet Local community credit rating requirements, and any reaction towards the feedback with the click here lender, if neither the reviews nor the responses have statements that mirror adversely on The nice name or name of any individuals other than the lender or publication of which would violate certain provisions of regulation;
) The selection of retail banking products and services and retail banking products and solutions provided via electronic supply units along with other shipping systems; and